Ukiah, CA · Cert 8011
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.71% | 0.82% | 0.98% | 0.93% | 1.12% | 1.08% | 1.20% | +22 bps | |
| Return on Equity | 6.89% | 5.75% | 6.81% | 8.01% | 7.35% | 8.41% | 7.90% | 8.47% | +46 bps | |
| Net Interest Margin | 2.93% | 3.01% | 2.91% | 3.01% | 3.20% | 3.26% | 3.37% | 3.44% | +43 bps | |
| Efficiency Ratio | 67.08% | 74.79% | 67.33% | 64.10% | 65.27% | 72.11% | 61.56% | 59.42% | -468 bps | |
| Non-Interest Burden | 1.86% | 2.16% | 1.85% | 1.76% | 1.98% | 2.27% | 1.95% | 1.90% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.80% | 0.87% | 0.57% | 0.90% | 2.94% | 2.58% | -1.45% | -3.33% | -423 bps | |
| Loan Growth (YoY) | 2.28% | 5.52% | 3.63% | 4.95% | 4.80% | 1.69% | 0.97% | -1.76% | -671 bps | |
| Deposit Growth (YoY) | -6.95% | -3.62% | 0.52% | 3.07% | 3.59% | 1.44% | 1.74% | 1.38% | -169 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.04% | 0.02% | 0.02% | 0.02% | 0.04% | 0.36% | 0.36% | +34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | -0.01% | 0.00% | 0.00% | 0.02% | 0.00% | -0.03% | -3 bps | |
| Allowance / Loans | 2.59% | 2.50% | 2.49% | 2.43% | 2.47% | 2.46% | 2.46% | 2.48% | +4 bps | |
| Allowance Coverage of NPLs | 14.9x | 56.6x | 128.1x | 123.8x | 125.5x | 59.2x | 6.8x | 6.9x | -116.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.50% | 16.47% | 16.62% | 16.80% | 16.72% | 16.78% | 17.43% | 17.93% | +113 bps | |
| Total Risk-Based Capital | 16.50% | 16.47% | 16.62% | 16.80% | 16.72% | 16.78% | 17.43% | 17.93% | +113 bps | |
| Equity / Assets | 12.76% | 11.88% | 12.21% | 12.20% | 12.99% | 13.58% | 13.83% | 14.42% | +221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.00% | 73.00% | 72.88% | 74.52% | 71.83% | 73.18% | 72.32% | 72.21% | -230 bps | |
| Liquid Assets / Assets | 0.96% | 0.82% | 1.13% | 1.45% | 4.61% | 3.63% | 1.27% | 0.97% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 238% | 238% | 237% | n/a | n/a | |